The Best Banks & Credit Unions in Connecticut That Offer Second Chance Bank Accounts

Editor's Choice

BBVA Online Checking

BBVA is one of the most well-known banks for Connecticut residents that are looking for a second chance bank account.

You can open this account with as little as $25 for your initial deposit.

Features and Benefits

  • Bad credit OK
  • Relaxed account opening requirements
  • Free ATM withdrawals on BBVA ATMs
  • Online and mobile banking facilities included
  • Customizable banking alerts
  • Available nationwide (except Alaska and Hawaii)
  • Member FDIC

Recommended For:

Right now, a free checking account at BBVA is the only trusted option for customers looking for a Second Chance Checking account with high approval rate and excellent features and conditions. Use this opportunity to rebuild your credit while having a bank account with no restrictions.

Local Banking Options

Following is the web's most comprehensive list of banks and credit unions in Connecticut that offer second chance banking and which may approve you for a bank account.

Please note that any unsuccessful attempt to open an account may have a negative impact on your credit history and score.

To avoid this, please check if there are any proven, top picked solutions are available in your area (listed above) or on our page with best non-ChexSystems banks and other banking alternatives.

See more: Comprehensive List of Non-ChexSystems Banks

This page is updated regularly, so please consider adding it to your bookmarks.

Eastern Savings Bank Second Chance Checking

Finex (Credit Union) Re-Start Checking

Hartford Federal Credit Union 2nd Chance Checking

Nutmeg State Financial Credit Union Second Chance Checking

Tobacco Valley Teachers Federal Credit Union myChance Checking (Draft)

Webster Bank

Form of Verification: ChexSystems

Special Notes:

Second chance checking… they have an account and it comes with a VISA debit card.

It cost $16.95 a month or $11.95 with Direct deposit.

Types of Accounts Offered: Second chance checking

Learn more about Webster Bank

Hartford Federal Credit Union

Form of Verification: ChexSystems

Special Notes:

AS LONG AS YOUR CHEXSYSTEMS REPORT IS PAID, YOU CAN GET A CHECKING ACCOUNT, SHOULD NOT SHOW FRAUD.

YOU CAN GET A SAVINGS ACCOUNT EVEN ON CHEXSYSTEM.

Email from Bank:

Thank you for your interest in Hartford Federal Credit Union! To join the Credit Union, you simply need to open a basic Savings Account (Main Share) with us and make a deposit of $50 thru cash, check, or by direct deposit. Besides our two Hartford Offices, we have additional offices in South Windsor and West Simsbury, and also are part of national and regional ATM networks allowing you to utilize other financial institutions ATMs while avoiding costly surcharge fees.

Once your Main Share account is open, you are able to open/apply for all of our savings, loans, and convenience services. We have the capabilities of the banks, but in a smaller, more personable way, and offer LOW or NO fee services, LOW rate loans, and a variety of savings accounts including Holiday & Vacation Club Accounts, Money Market Accounts, CDs, IRAs, and our No-fee Checking Account.

To be in compliance with current regulations, we are required to review ChexSystems (and other sites) when any new member joins HFCU and is interested in a Checking Account. If we are unable to open a checking account due to outstanding funds owed with any financial institution, we are STILL ABLE to assist you with a Savings Account, giving you a place to save your funds, cash checks at no cost, obtain money orders, and establish credit.

We only obtain a members credit report when they are applying for a loan.I would be happy to mail a membership kit to you to get you started!

Types of Accounts Offered: Savings possibly checking

Learn more about Hartford Federal Credit Union

CorePlus Federal Credit Union

Form of Verification: ChexSystems

Special Notes:

Any member can get a savings.

Email from Bank:

Yes, you can open a savings account only if your name is on ChexSystems. You need to provide proof that the issue has been resolved with the bank or financial institution named. After one year you can apply for a checking account. You would also have to have a valid picture ID with you to open the savings account. We require $5.00 in your savings account and there are no monthly fees for either savings or checking. We want to be your choice in all your financial needs and look forward to your joining our family. You can join at any of our 7 offices.

Types of Accounts Offered: Savings possibly checking

Learn more about CorePlus Federal Credit Union

Nutmeg State Financial Credit Union

Form of Verification: Chexsystems and a credit report

Special Notes:

ChexSystems needs to be paid and not indicate fraud to open a checking but anyone can get a savings.

Email from Bank:

Upon opening a membership we do verify an individual’s ChexSystems records. However, we open a savings account regardless if there is a history on ChexSystems or not. We cannot open a checking account until the ChexSystems record is cleared up/paid off. If there is no history on ChexSystems, we run a credit report and once that is completed we can open a checking account.

Types of Accounts Offered: Personal checking and savings

Learn more about Nutmeg State Financial Credit Union

Jewett City Savings Bank

Form of Verification: ChexSystems

Special Notes:

ChexSystems must be paid and not indicate fraud.

Email from Bank:

You need to bring proof of paying the debt in full. A debit card cannot be issued for the first 3 months until we see the account is in good standing.

Types of Accounts Offered: Personal checking, savings and business accounts

Learn more about Jewett City Savings Bank

Hartford Federal Credit Union

Form of Verification: ChexSystems

Special Notes:

ChexSystems report must be paid and not indicate fraud.

Email from Bank:

Yes, as long as it is reported on ChexSystems that any amounts paid in full.

Types of Accounts Offered: Personal checking and savings

Learn more about Hartford Federal Credit Union

Charter Oak Federal Credit Union

Form of Verification: ChexSystems

Special Notes:

ChexSystems must be paid and not indicate fraud then you can open a savings ONLY.

Email from Bank:

Thank you for contacting Charter Oak Federal Credit Union. You will only be able open a Regular Savings account if the debt to the reporting bank is paid.

Types of Accounts Offered: Personal checking, savings and business checking

Learn more about Charter Oak Federal Credit Union

The First National Bank of Suffield

Form of Verification: ChexSystems

Special Notes:

Report should not indicate fraud.

Email from Bank:

We will need a letter from the institution stating that the account is paid. We can then open a savings account for you and watch it for six months. If there are no problems, we will be happy to open a checking account for you.

Types of Accounts Offered: Personal checking, savings and business checking

Learn more about The First National Bank of Suffield

Rockland Trust

Form of Verification: ChexSystems

Special Notes:

As long as the debt is paid and the report does not show fraud, they will open an account.

Email from Bank:

You may apply for a Rockland Trust checking/savings account at any time. If you have proof of payment you may want to bring it with you when you apply for your account. At the time of the account opening we will run your information through ChexSystems again and should see that the debt has been paid.

Types of Accounts Offered: Personal checking, savings and business accounts

Learn more about Rockland Trust

Seasons Federal Credit Union

Form of Verification: ChexSystems

Special Notes:

With membership, anyone can open a savings account. If your ChexSystems report is minor and there is no fraud reported or debt owed, you might be able to get a checking. Proof that it was paid would be necessary.

Email from Bank:

We do use ChexSystems as well as credit reports when opening an account at Seasons Federal Credit Union. However, as long as you qualify for membership you are eligible for a savings account.

Types of Accounts Offered: Savings and maybe a checking

Learn more about Seasons Federal Credit Union

Westerly Community Credit Union

Form of Verification: ChexSystems

Email from Bank:

We would have to pull it to see what it says. If you want to open a checking account, it would be a second chance checking which charges a $10 monthly fee.

Types of Accounts Offered: Second chance checking

Learn more about Westerly Community Credit Union

NorthEast Alliance Federal Credit Union

Form of Verification: 2 IDs

Special Notes:

Okay I talked to them and they do not use ChexSystems or a credit report. You do have to be eligible for membership there. It is $58.00 for savings and nothing to open a checking unless you order checks and then it is $50.00.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about NorthEast Alliance Federal Credit Union

Sikorsky Financial Credit Union

Form of Verification: ChexSystems

Special Notes:

Anyone eligible for membership can get a savings account.

Email from Bank:

You will be able to open a savings account with us even if you have a ChexSystem record. As far a a checking account that would be determined at the time you apply.

Types of Accounts Offered: Savings and possible checking depending on the record itself

Learn more about Sikorsky Financial Credit Union

American Eagle Financial Credit Union

Form of Verification: ChexSystems

Special Notes:

For best results the report must who there is no debt to the reporting bank or you need proof that it was paid and the report should not indicate fraud.

Email from Bank:

If you can provide proof that the debt has been paid, like a receipt, copy of a statement or a letter from the financial institution, you will be able to open an account with us.

Types of Accounts Offered: Personal checking and savings

Learn more about American Eagle Financial Credit Union

Enfield Community Federal Credit Union

Form of Verification: ChexSystems

Email from Bank:

It depends on what shows up on ChexSystems. I have had a few that were on there, paid the debt but because of the severity they were not issued a checking account; only a savings. Then I have had some that checking accounts were opened...

Types of Accounts Offered: Savings possible a checking

Learn more about Enfield Community Federal Credit Union

Banks and Credit Unions That Offer Second Chance Banking by State

AlabamaLouisianaOklahoma
AlaskaMaineOregon
ArizonaMarylandPennsylvania
ArkansasMassachusettsRhode Island
CaliforniaMichiganSouth Carolina
ColoradoMinnesotaSouth Dakota
ConnecticutMississippiTennessee
DelawareMissouriTexas
District of ColumbiaMontanaUtah
FloridaNebraskaVermont
GeorgiaNevadaVirginia
HawaiiNew HampshireWashington
IdahoNew JerseyWest Virginia
IllinoisNew MexicoWisconsin
IndianaNew YorkWyoming
IowaNorth Carolina
KansasNorth Dakota
KentuckyOhio